Actually, in reply to T.D.'s otherwise excellent post, nowhere is is stated that a sea dragon cloak is a mundane armor... If it was, then heavy armor and sea dragon cloak would not stack - but they do stack, evidence: in all our character's entries, they have an option to take both, not either/or.

Providing an armour saving throw does not necessarily make an item a piece of armour. For instance: put a sorcerer on a dark steed or a cold one will give her a 6+ or 5+ armour saving throw. Is the horse a piece of armour? I'd say no

But also... SDC does not provide an armour saving throw. The sea dragon cloak confers a special rule - the scaly skin special rule, to be precise. The special rule confers the armour saving throw, not the item itself... Unlike the chaos armour, which confers a 4+ armour save directly. While scaly skin gives an armor save, it is not in itself armour. A lizardman kroxigor has a scaly skin armour save, but is not wearing armour.

So I'd still argue that the sea dragon cloak is just a mundane item with no specific 'type'.

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